By Shubham Sharma
Updated On January 11, 2024

Punjab National Bank offers a host of credit cards to its customers whereby you can pick the right credit card that satisfies your financial requirements. These credit cards offered by the Punjab National Bank come with several rewards and benefits. To avail of the Punjab National bank credit card eligibility requirements is one of the most important factors that need to be fulfilled. Find below the eligibility requirement for  Punjab National Bank.

Punjab National Bank credit Card Eligibility

Basic Punjab National Bank Credit Card Eligibility

Punjab National Bank has listed a standard age requirement for all its credit cards. The applicant’s age should be between 21 years to 65 years. The age criteria for the add-on cardholder is 18 years. Provided below is basic information related to eligibility requirements that every customer should know before applying for the PNB credit card.  

  • The applicants should be of age between 21 years to 65 years.
  • The applicants shall have an income of 2.5 lakhs per annum 
  • The applicant shall be an existing customer of Punjab National Bank for more than 6 months 
  • The add-on cardholder should be age 18 years. 

Documents required to apply for a PNB Credit card

Mentioned below are some essential documents required by the applicants while applying for the Punjab National Bank credit card. 

Identity Proof Voter’s Id, Pan Card, Passport, Aadhaar Card, Driving Licence, or any other government-approved ID.
Address Proof Aadhaar Card, Passport, Utility Bills (Electricity bills, water bills, etc), or any other government-approved ID.
Income Proof  Bank Statement or salary slip of last 3 months, last 2 years’ audited financial report,  etc

Factors that Affect your PNB Credit card Eligibility

Age-: The minimum and maximum age requirement of the most important criteria that need to be fulfilled while applying for any PNB credit card. The applicant should be between the age of 21 years to 65 years. 

Income-: Income of an applicant is another deciding factor that affects your eligibility to avail of a PNB credit card. The applicant should have an income of 2.5 lakhs per annum.

Documentation-:  While applying for a PNB credit card, the applicant shall have all the necessary pre-requisite documents to assess their credit cards application, such as Proof of Income, Proof of Address, and Proof of Identity.  

Credit history-: Credit history is the next most essential factor for consideration. If you have no credit history, the card issuer may reject your application when the issuer looks at your application while accessing it.

Location-: Only a few locations and cities are excluded from the Punjab National Bank service network. Therefore, the applicant needs to make sure that the residential address comes under the Punjab National Bank served location and is not banned.

How to Improve your PNB Credit card eligibility 

There are multiple ways you can increase your eligibility to avail of a PNB credit card. Some of the ways are mentioned below to help you increase your eligibility. 

  • Make sure you have paid off your previous outstanding bills on time 
  • You can also avail PNB credit card by maintaining a healthy credit score of 750
  • By adding a co-applicant when applying for a PNB credit card
  • You can increase your chance by limiting the number to hard inquires on your credit file 
  • Applying for a secured credit card


The applicant should have a minimum income of Rs 2.5 lakhs to be eligible to apply for a PNB credit card
The minimum age requirement for the add-on cardholder is 18 years. 
A credit score of 700-750 is considered to be good when applying for a new credit card